*Are Our Daily Habits Productive?

The economic woes the world has experienced over the past half-decade or so have exacerbated the perceived—and often real—gulf between the haves and the have-nots. The Occupy Wall Street (OWS) movement focused on the super-rich, the top one percent of Americans by income, complaining that these ultra-wealthy people should "pay their fair share" of taxes to support the poor. This disaffection with the rich was no doubt encouraged by the rhetoric of the current President and his supporters, who promised fundamental change in America and a progressive (read "socialist" or even "Marxist") redistribution of wealth under the guise of fairness.

The OWS movement, never truly coherent or successful in its aims, has fizzled, but its underlying spirit of dissatisfaction with the wealthy lingers. Just yesterday, while waiting for my truck to be serviced, I heard the cashier complain to another customer that the salary and benefits package promised to a local top bank executive was ridiculous. "No one," she said, "needs that much money, and there is no way we [bank customers] can make up for it." In other words, the executive was so overpaid that the bank would fail trying to pay it!

The OWS crowd assumes two foundational beliefs about the rich that are not necessarily true. First, they believe that the wealthy are born with silver spoons in their mouths, and having inherited their money from their parents—who are fixtures in a permanent upper class—thus did nothing to earn their mansions, luxury yachts and automobiles, and hefty portfolios. While this is true for a small percentage of the super-rich, the people who inhabit the top tier of the wealthy come and go with regularity as fortunes are made and lost in the volatility of the markets and the business world. The names on the Forbes list of wealthiest Americans are different or in different places every year. America is still the land of opportunity—both to rise and to fall.

Second, OWS supporters believe that, if they did not inherit their money, the wealthy acquired their riches through underhanded means. By hook or by crook, by defrauding the poor or knifing their coworkers or competitors in the back, the wealthiest among us clawed their way up the ladder of success, leaving the ruined lives of others behind them. While a tiny minority of wealthy people may have taken this sordid route, the vast majority of top income-earners simply rolled up their sleeves and outworked everyone else. The Pareto Principle, also known as the "80-20 Rule" or the "Law of the Vital Few," essentially posits that 80% of the effects derive from 20% of the causes. In this case, it means that 20% of the people do 80% of the work—and the wealthy among us usually fall into that productive top quintile.

Earlier this week, a friend recommended an article to me on the website of financial guru Dave Ramsey, whose main goal is to help people get out of debt and establish a solid financial footing. The article, "20 Things The Rich Do Every Day," was a blog entry by a man named Tom Corley, author of Rich Habits, "the groundbreaking financial self-help book that shares the secrets of financial success by exposing the daily habits of wealthy individuals," according to his website, RichHabits.net. In short, Corley has found that wealthy people generally share certain habits that enhance productivity and thus prosperity.

Doing one or more of the habits on the list will not by any means guarantee a six-figure salary, but they are generally commonsense practices that can help a person do more and better with their time, energy, and skills. Here is a sample of the list:

1. 70% of wealthy eat less than 300 junk food calories per day. 97% of poor people eat more than 300 junk food calories per day. . . .
3. 76% of wealthy exercise aerobically 4 days a week. 23% of poor do this.
4. 63% of wealthy listen to audio books during commute to work vs. 5% for poor people. . . .
10. 88% of wealthy read 30 minutes or more each day for education or career reasons vs. 2% for poor. . . .
13. 67% of wealthy watch 1 hour or less of TV every day vs. 23% for poor. . . .
19. 86% of wealthy believe in life-long educational self-improvement vs. 5% for poor.

The underlying premise behind Corley's list is that some people, by virtue of their daily habits, set themselves up for success and the money that invariably follows, while others doom themselves to being poor and staying poor by their unproductive everyday lifestyles. As the sample from the list shows, a good diet and frequent exercise can lead to productivity because the body will likely be healthy, allowing it to work better, longer, and harder. Cultivating the mind through education, creative listening, and reading keeps a person informed, engaged, and expanding his skillset. Finally, productive people do not waste much time on vapid entertainment.

In summary, a reason why the wealthy are wealthy is because they work at doing advantageous things while avoiding detriments and distractions. They do what is helpful and shun what is useless. As the old song goes, they accentuate the positive and eliminate the negative. These are things anyone can do—and from a spiritual point of view, should do.

The book of Proverbs is teeming with advice on being productive and prosperous, such as these few: "Go to the ant, you sluggard! Consider her ways and be wise" (Proverbs 6:6). "Getting treasures by a lying tongue is the fleeting fantasy of those who seek death" (Proverbs 21:6). "Do you see a man who excels in his work? He will stand before kings" (Proverbs 22:29). "By knowledge the rooms are filled with all precious and pleasant riches" (Proverbs 24:4). "Prepare your outside work, . . . and afterward build your house" (Proverbs 24:27).

In the Parable of the Talents, Jesus heaps praise on those who wisely and energetically profit from His gifts and condemns the one who squanders them (Matthew 25:14-30). Many of His teachings use illustrations lifted from situations involving money, wealth, debt, wages, work, and stewardship. He even speaks of making "friends for yourselves by unrighteous mammon (Luke 16:9), just before warning, "If you have not been faithful in the unrighteous mammon, who will commit to your trust the true riches?" (verse 11).

So, do our daily routines set us up for success—financially, relationally, spiritually—or do they doom us to failure? Are they productive or unproductive? It is well worth our time to evaluate our lives for ways to improve them by adopting more profitable habits.

RBV: Matthew 6:24

"No one can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon."

—Matthew 6:24

Most people who are familiar with the Bible are aware of this statement made by Jesus during His Sermon on the Mount. This teaching on the inadvisability of trying to serve two masters comes at the end of a line of comparisons between two major elements of life. Earlier, He had spoken about two different kinds of treasure, the earthly kind and the heavenly kind. Then He mentioned the good eye and the bad eye, or perhaps it would be clearer to call them the focused ("single," KJV) eye and the confused eye, which illustrate a person's outlook on his life. Obviously, Jesus is trying to help us see the dichotomy between God's way and the way of this world, man's way, or Satan's way, however we may wish to look at it.

In this verse, He moves on to the human will, telling us that it is impossible to give full allegiance to more than one entity, whether it be a family member, a boss, a cause, or even football teams!  As He says, one of them will always be slighted in some way. One's true loyalty will soon be revealed when circumstances conspire to force a choice between them. At the fish-or-cut-bait moment, we will choose to give our time and attention to the one that we really love, and the other we will "hate" by comparison.

As a native of the Steel City, I am a Pittsburgh Steeler fan and always have been. Yet, I have lived in Charlotte since 1992 and have been a fan of the Panthers since the team's first NFL game in 1995. I know a great deal about both clubs, watch most of their games, and avidly follow their player acquisitions and moves. It is good that the Steelers are an AFC team, while the Panthers are an NFC team, so they rarely play each other. But what happens when they do? There is no question: I root for the Steelers. My choice shows that I "love" the Steelers and "hate" the Panthers; I am "loyal" to the black and gold and "despise" the black, Panther blue, silver, and white. In such a situation, I cannot cheer for both.

In the last phrase, Jesus makes it clear that the choice often comes down to God on the one hand and "Mammon"—a word that denotes wealth and possessions—on the other. True, His audience, mostly Jews, had and still have a reputation for pursuing wealth overmuch, but His true audience is everyone. We all want more things, and we sometimes go to extreme measures to get them. When faced with the decision of following God or following the money, too many pick the latter, and in doing so, reveal our true loyalties.

He desires His disciples, therefore, to take note: The true Christian puts God first in everything. If a promotion at work means that a Christian will have to work on the Sabbath or blur some of his principles, he needs to choose God and turn down the promotion. If he can avoid a heavy tax assessment if he fudges the numbers a little on his 1040, he should choose God and submit an honest return. If he finds a wallet filled with cash, he must choose God and return it to its owner. In every case in which we must decide between obedience to God and gaining for the self, God must be our constant choice.

While this may seem somewhat onerous, this kind of total devotion and commitment is what God demands. Jesus is also the one who said,“No one, having put his hand to the plow, and looking back, is fit for the kingdom of God" (Luke 9:62), and “If anyone comes to Me and does not hate his father and mother, wife and children, brothers and sisters, yes, and his own life also, he cannot be My disciple" (Luke 14:26). Even in the verse under discussion, Jesus speaks of “serving . . . masters," which is an allusion to slavery. But we can gladly choose to serve God, the most gracious and beneficent of masters.

*Little Choices

Before the political left hijacked the term choice, its philosophical meaning was "an individual's freedom to determine the moral course of his own life." This is, of course, what theologians and philosophers call "free moral agency" or "free will." God gives us the freedom to choose our path, but it is clear from God's Word that He has a path that He wants us to choose to take. God commands us in Deuteronomy 30:19 to choose life, but He sets before us both life and death, making us choose which way we want to go. As Christians, we are to choose to overcome sin and to live a life of godliness and righteousness.

Despite what many Protestant churches preach in terms of grace—preachers so often minimize the gospel to say that Jesus has done it all for us—Christianity is by no means a passive religion. True Christianity is a religion of constant vigilance in a conscious endeavor—striving, struggling, and making choices—to do what is right to please God.

Consider that, if God has done it all for us, why is the Bible not just one verse long? All that would be necessary is "God so loved the world, that He gave His only begotten Son, that whoever believes in Him should not perish but have everlasting life" (John 3:16). All one would have to do is accept the sacrifice of the Son, and eternity would be assured.

Yet, look how thick a Bible is! It is over 1,000 pages long and absolutely packed full of instruction. Each word in the Book is pure—purified seven times (Psalm 12:6). It is written concisely; everything in it has value. And Jesus tells us, "You shall live by every word of God" (Matthew 4:4; Luke 4:4; Deuteronomy 8:3). The Bible contains many pages of words because there are many necessary instructions for us to learn and follow.

Why? The overall answer is that God wants us to conform to the image of His Son, to put on His mind and character, a goal cannot be accomplished by fiat. Character is built little by little through the process of making right choices. We have to choose to conform to Jesus Christ. God will not make the choice for us. He will make it clear what He wants us to do, and He will do His best to incline us in that direction, but ultimately, we have to choose.

In choosing God's way of life, each mental and physical activity to do good, or conversely, to forsake sin, begins with a choice. The choices that we make may be conscious—when we actually stop to think things through, getting out paper and pencil to jot down all the pros and cons and weigh them in the balance, as it were, before deciding what we should do—or they may be habitual and automatic due to consistent repetition in godly living. Whether we think about them or not, they are still choices.

So, if similar problems keep coming up and we just cannot seem to shake them, we should probably consider the choices that we have been making. Our choices have led to the repeated problems. Most likely, our problems have not come on us because God is angry with us, and Satan has probably not personally put a target on our backs to take pot-shots at us. We love to blame others for our problems, but the fact is that we make a lot of dumb decisions every day! Our choices lead either to the problems that ensnare us or to peace and happiness.

The Bible presents many illustrations of people making both good and bad choices. Abraham makes a good choice in leaving Ur, yet Lot makes a bad choice in settling in Sodom. Esau chooses foolishly in selling his birthright, while Jacob wisely chooses to tithe to God. Saul decides to try to pin David to the wall with a spear, yet David will not lift his hand against the Lord's anointed. The disciples make good choices by immediately following Jesus when He calls them, yet others reject the same calling. For instance, Mark 10:17, 19-22 contains the story of the Rich Young Ruler.

Now as [Jesus] was going out on the road, one came running, knelt before Him, and asked Him, "Good Teacher, what shall I do that I may inherit eternal life?" So Jesus said to him, ". . . You know the commandments: ‘Do not commit adultery,' ‘Do not murder,' ‘Do not steal,' ‘Do not bear false witness,' ‘Do not defraud,' ‘Honor your father and your mother.'" And he answered and said to Him, "Teacher, all these things I have kept from my youth." Then Jesus, looking at him, loved him, and said to him, "One thing you lack: Go your way, sell whatever you have and give to the poor, and you will have treasure in heaven; and come, take up the cross, and follow Me." But he was sad at this word, and went away sorrowful, for he had great possessions.

Bad choice! Very poor choice! He had the same opportunity as the disciples, but in contrast, he blows his chance by making a wrong choice. He chooses his lifestyle of wealth, prestige, and influence over eternal life, which, from his own lips, was what he was seeking! Jesus gave him the precise answer to his question and personally invited him to discipleship. It was even plain that Jesus loved him! The door was wide open!

Yet, when he had to decide, he chose money and position over God. He chose his wealth and comfort over charity and service to others. He chose the status quo rather than rocking the boat. The contrast between the Rich Young Ruler and the disciples is stark.

This life-changing choice confronts a person only once in a lifetime, and the individual either answers God's calling or rejects it. Sometimes, though, after we make this right choice, we let down and begin to overlook the small, mundane, everyday choices: "Will I lie or not?" "Will I take advantage or not?" "Will I curse or not?" "Will I gossip or not?" "Will I indulge myself or not?" We are all frequently confronted by such temptations to sin. Many are little things and some are big things, but every time we face them, we must choose.

It is in these choices that overcoming happens. These everyday choices make overcoming either possible for us or impossible. Think about it. It is far easier to make many little right decisions until they become a habit and firm, convicted character than it is to face a mammoth decision all at once with little or no experience in making smaller, correct ones.

Say, for illustration's sake, that we are given the job of cutting down a Giant Sequoia out in Northern California—with a steak knife. Now, if we make stroke after stroke, stroke after stroke, we could indeed, over a long time, cut that massive tree down. But, if the boss told us to fell it in an hour—in the analogy, this is the big decision that must be made right now—we would be unprepared and unable. The job would be far beyond us with our little steak knife.

So Jesus advises us, "He who is faithful in what is least is faithful also in much" (Luke 16:10). This is how to overcome sin and grow in godly character: by making those little choices every day.